United Fire Group, Inc. (UFCS) vs Westamerica Bancorporation (WABC)
A side-by-side comparison of United Fire Group, Inc. and Westamerica Bancorporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — UFCS vs WABC
growth of $100 · dividends reinvested · last 10yUFCS vs WABC: by the numbers
- •UFCS is the larger company ($1.41B vs $1.38B market cap).
- •UFCS trades at the lower trailing earnings multiple (10.22 vs 12.95 P/E), one valuation lens rather than an overall verdict.
- •WABC converts more revenue to profit (41.70% vs 9.57% net margin).
- •UFCS grew revenue faster over the past five years (5.12% vs 4.52% CAGR).
- •WABC pays the higher dividend yield (3.20% vs 1.39%).
Metrics side by side
Valuation
| Metric | UFCS | WABC |
|---|---|---|
| P/E ratio | 10.22 | 12.95 |
| Forward P/E | 11.04 | 12.68 |
| PEG ratio | N/A | 1.48 |
| P/S ratio | 0.96 | 5.20 |
| P/B ratio | 1.44 | 1.62 |
Profitability
| Metric | UFCS | WABC |
|---|---|---|
| Operating margin | 12.01% | 56.07% |
| Net margin | 9.57% | 41.70% |
| ROE | 14.42% | 12.99% |
United Fire Group, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Westamerica Bancorporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | UFCS | WABC |
|---|---|---|
| Dividend yield | 1.39% | 3.20% |
| Payout ratio | 14.13% | 41.41% |
Growth (annualized)
| Metric | UFCS | WABC |
|---|---|---|
| Revenue CAGR (5Y) | 5.12% | 4.52% |
| EPS CAGR (5Y) | N/A | 8.74% |
| Total return CAGR (5Y) | 21.47% | 4.64% |
Frequently asked
- Which has the lower trailing P/E, UFCS or WABC?
- UFCS has the lower trailing P/E: UFCS trades at 10.22 and WABC at 12.95. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, UFCS or WABC?
- Over the past five years, UFCS grew revenue faster — UFCS at a 5.12% CAGR versus WABC at 4.52%.
- Does UFCS or WABC pay a bigger dividend?
- UFCS yields 1.39% and WABC yields 3.20% based on trailing dividends and the latest price.
- Is UFCS or WABC more profitable?
- WABC runs the higher net margin — UFCS at 9.57% versus WABC at 41.70%.
- How have UFCS and WABC total returns compared?
- Over the past 10 years, UFCS delivered 5.28% and WABC delivered 4.55% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
United Fire & Westamerica Bancorporation appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.